The Book College Students Need to Defend Against Aggressive Credit Card Marketers

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Ex-credit card executive reveals how students can avoid getting ripped off by credit card companies and their on-campus marketers.

-You've seen them: the on-campus marketers that have booths set up to solicit credit cards to college students. If you've ever wondered all the ways credit card companies market to college students, or what the results are, then former credit card executive Bill Pratt's new book is a must read. Bill introduces his book, Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h.

After hearing story after story about college students who were dropping out of school due to credit and money issues, Bill said "We are failing our students by not teaching them the fundamentals of personal finance, while sending them out on their own in a money-driven society," and decided to do something about it! With a passion for students and their personal and financial success, Bill wrote this book to protect students from unfairly falling prey to a well-financed industry. Extra Credit lists the top 10 tricks credit card companies use as well as how they market to college students.

Bill's book, dubbed the "hottest new book for college students," gives students the chance to learn the rules so they are on an even playing field with the credit card companies. He provides good advice that applies to everyone, from students who are about to receive more than 50 credit card solicitations per semester to their parents and grandparents who want to help them prepare their college students and arm themselves as well. This insightful and timely book gives students their first real chance to understand some of the basics, such as how to balance their accounts and how to get out of debt.

As a former Vice President for Citigroup and a published Economist for the U.S. Federal Government, Bill has first-hand knowledge of the credit card industry.

After earning his MBA in finance and working years in the financial industry, Bill has first-hand information about personal finance and credit along with his desire to help students. In his book, he reveals not only the top 10 tricks that are used by credit card companies, but how to prepare yourself to avoid those tricks and make better use of credit cards, debit cards and cash.

Bill learned much about credit cards for college students the hard way. He was first introduced to credit cards and debt while in college where he first established the habit of spending more than he earned. In his new book, he guides readers through the basics of credit and money to help them avoid some of the same mistakes he did.

Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h is available in select college and retail bookstores. It may also be ordered through and directly through the author's website at

Author: Bill Pratt, MBA
ISBN: 978-0-9818702-0-5
Format: Soft Cover, 6x9", 92 pages
Retail Price: $11.95

Special Note to Media:

Bill Pratt's electronic press kit is available at Additional photos are available.


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